Quote: Sometimes the alternatives are worse than what we are offering so they buy just enough for us to still come around
Okay, so if your wife is buying marital fire insurance by having sex with you, whose fault is it if the premium is set too low to make a profit in the long run? Either someone has their rose-colored glasses on while looking at the actuarial tables or the insurance company is blaming its customers for its own poor planning which included taking a long term loss in order to get short term profits.
"Tell me, what is it you plan to do with your one wild and precious life?" - Mary Oliver
